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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $91,038 | $54,541+66.9% | $78,778+15.6% | $70,126+29.8% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.2%+30.8pp | 69.5%+30.5pp |
| Annual return | 10.47% | 21.07%-10.6pp | 35.62%-25.1pp | 73.15%-62.7pp |
| Employer contribution / active EE | $4,000 | $1,089+267.5% | $1,986+101.4% | $2,343+70.8% |
| Participant deferral / active EE | $1,639 | $2,210-25.8% | $2,958-44.6% | $3,332-50.8% |
| Admin fee / account holder | $3,187 | $3,709-14.1% | $5,134-37.9% | $4,645-31.4% |